My Debt Diary

James240

arrrgghhhh!!! this will be the second time i have typed this cos the forum just logged me out :mad:


Right got paid some of my overtime this month so this is how it plays out this month:

Wages: £1435
Savings Transfered: £300

Total: £1735


Outgoings this month:

Rent: £250

Broadband: £25

Mobile Phone: £40 (This is high due to family Crisis)

Travelcard: £30.80 (This has gone up slightly)

Savings: £10

Credit Card: £24

Loan: £303.71

Overdraft: £0

Total: £683.51

So for this month i have £1051.49 left for myself So im going to write a cheque for my Loan to over pay it it by £900 and leave my self £150 for the rest of the month

By the time my over payment comes off and so does my regular monthly payment of which £246 comes off my loan i will owe £7294.28 on my loan and doing a few workings out i reckon i can clear this in less than 13 months:T although i am aiming for around 7 or 8 months :rolleyes:

Must admit ive spent £43 already, had a pizza last night which was £14ish and i bought season 2 of Stargate for £23 (many thanks Kipper :T ) the rest has gone on Lemsip and cough sweets cos im feeling so poorly.....:o


Although im feeling very proud of myself for being able to pay off £900 of my loan this month :j i have paid the price for it this weekend for being ill

kipper_2-2

:wave:


just two ikkle things.....

1) I ain't gonna say I told ya so, about getting ill (cos I already have )

2) Stargate was £21.96 actually, don't make me out to be some kind of sloppy moneysaver


anyhooooooo big hugs to ya, but ya know it will all come right in the end

xxx

MushyPeas

Well done James240, your diary is an inspirational read

James240

thanks Mushypeas trying my best to get my loan out of the way as quick as possible

and Kipper it was £23 with Post and Packaging ..........:p :rotfl:

kipper_2-2

James240 wrote:

and Kipper it was £23 with Post and Packaging ..........:p :rotfl:

well ya didn't say that did ya :rolleyes:


Hmmmmmm getting a distinct feeling of dejá vu :think:

haven't we had this conversation already???? :rotfl:

James240

Hiya guys havent updated my Diary in a while cos ive been quite ill with Flu and ive ended up spending quite a bit, will have to have a sit down and sort out of my finances in the next couple of days.........


Good news is that i sent off a cheque for £900 overpayment on my loan so im quite pleased with that so that should go through in a couple of days once the cheque has cleared and will be a nice chunk off my loan

will let you all know what my finances are like once ive worked them out peeps

ozzyfan_2

Hi 007

What a brilliant job you're doing, £900 off your loan is fantastic! :beer:
Sorry you've been ill though, hope you're on the mend now

Willsnarf1983

hey hey bud!!!

i just had the best mse style indian..where some mate of a mate paid for it!!!, what a dude lol!!!!!

so hope things are going well mate, i'm in all sorts of cack, some mse relatede, some weight related and some just of the scale related lol...thats life thou!!

get ebtter soon!

Will

Verbatim

Ghreat to see an update James. Get well soon and take care of yourself, 5 fresh fruit and veg a day sort of thing! Hope the family crisis is sorted. Has your mum moved? And did you take the pics of the house first?

Well done on the £900 overpayment on your loan. I've arranged to pay £900 off a 0% card that finishes in July. If I do the same in June and July plus transfer £5k to my new fee free HSBC cc, agreed but no card yet, that will clear it. I'll then have until Oct @0% for the HSBC card and my existing LTSB. Aiming to pay off the £5k before the 0 rate ends so will only have 1 balance to transfer in case the fee free transfers finally end.

Sorry, seem to have hijacked your thread there.

Off to see how SS's doing on his thread.

Molanole

Blimey - I've just read this post from start to finish. What an epic! I just wanted to say well done James, the diary makes for great reading. Also wanted to say be careful with all the overtime. I was working every hour there was (overnighters as well) just to get through my workload over the last nine months or so - I don't even get paid any overtime and because of the workload can't take time off in leiu. Anyway, I got the mumps in January which is a bit of a mare when you're 29 but because I was so run down it developed into meningitis and I was in hospital on a drip before you knew it. So, the moral of this story is, first and foremost you have to take care of you. The overtime is great but not when it is to the detriment of your health.

Keep up the good work though dude!